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International Health Insurance

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International Health Insurance provides long-term coverage to people living or working outside of their home country, typically for one year or longer. These plans are ideal for expats and their families, individuals with dual residences, multinational employers, and more. Being a global citizen can be an exciting experience, yet one that can pose many potential risks. Your health care abroad should not be one of those concerns. IMG offers revolutionary programs that provide the flexible worldwide coverage you need, backed by the world-class services you expect.

IMG's flagship international medical insurance plan, Global Medical Insurance, allows you to custom build a plan that is specifically tailored to you. The program provides comprehensive benefits suitable for individuals and families, provides fully portable 24 hour coverage, and gives you the global piece of mind you are seeking. Additionally, the plan was designed to provide long-term, worldwide medical cover that allows you to receive and continue treatment wherever you choose.

$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only

$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only

Not subject to deductible or coinsurance. U.S. only

Not subject to deductible or coinsurance. U.S. only

Political Evacuation and Repatriation

NA

NA

NA

Up to $10,000 lifetime maximum

Remote Transportation

NA

NA

NA

$5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance

Return of Mortal Remains

$10,000 lifetime maximum - not subject to deductible or coinsurance.

$25,000 lifetime maximum - not subject to deductible or coinsurance.

$25,000 lifetime maximum - not subject to deductible or coinsurance.

$50,000 lifetime maximum - not subject to deductible or coinsurance.

Complementary Medicine

NA

NA

$500 maximum limit per period of coverage

$500 maximum limit per period of coverage

Traumatic Dental Injury Treatment at a hospital facility

$1,000 per period of coverage

$1,000 per period of coverage

Up to the lifetime maximum limit

Up to the lifetime maximum limit

Treatment Due to Unexpected Pain to Sound, Natural Teeth

NA

NA

$100 per period of coverage

100%

Non-Emergency Treatment at a Dental Provider due to an Accident

NA

NA

$500 per period of coverage

See Non-Emergency Dental benefit

Non-emergency Dental

Optional Rider

Optional Rider

Optional Rider

$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services

Hospital Indemnity (Outside the U.S. only)

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Supplemental Accident

NA

NA

$300 of Eligible Medical Expenses following an accident

$500 of Eligible Medical Expenses following an accident

Pre-Existing Conditions Limitation**

Excluded

$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted.

$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted.

NA

**If applicants can verify their prior comprehensive health insurance, with no significant break
in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing
conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined
as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major
medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any
comprehensive health plan established or maintained by a State or the U.S. government).

$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only

$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only

Not subject to deductible or coinsurance. U.S. only

Not subject to deductible or coinsurance. U.S. only

Political Evacuation and Repatriation

NA

NA

NA

Up to $10,000 lifetime maximum

Remote Transportation

NA

NA

NA

$5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance

Return of Mortal Remains

$10,000 lifetime maximum - not subject to deductible or coinsurance.

$25,000 lifetime maximum - not subject to deductible or coinsurance.

$25,000 lifetime maximum - not subject to deductible or coinsurance.

$50,000 lifetime maximum - not subject to deductible or coinsurance.

Complementary Medicine

NA

NA

$500 maximum limit per period of coverage

$500 maximum limit per period of coverage

Traumatic Dental Injury Treatment at a hospital facility

$1,000 per period of coverage

$1,000 per period of coverage

Up to the lifetime maximum limit

Up to the lifetime maximum limit

Treatment Due to Unexpected Pain to Sound, Natural Teeth

NA

NA

$100 per period of coverage

100%

Non-Emergency Treatment at a Dental Provider due to an Accident

NA

NA

$500 per period of coverage

See Non-Emergency Dental benefit

Non-emergency Dental

Optional Rider

Optional Rider

Optional Rider

$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services

Hospital Indemnity (Outside the U.S. only)

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Supplemental Accident

NA

NA

$300 of Eligible Medical Expenses following an accident

$500 of Eligible Medical Expenses following an accident

Pre-Existing Conditions Limitation

Excluded

$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted.

$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted.

$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only

$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only

Not subject to deductible or coinsurance. U.S. only

Not subject to deductible or coinsurance. U.S. only

Political Evacuation and Repatriation

NA

NA

NA

Up to $10,000 lifetime maximum

Remote Transportation

NA

NA

NA

$5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance

Return of Mortal Remains

$10,000 lifetime maximum - not subject to deductible or coinsurance.

$25,000 lifetime maximum - not subject to deductible or coinsurance.

$25,000 lifetime maximum - not subject to deductible or coinsurance.

$50,000 lifetime maximum - not subject to deductible or coinsurance.

Complementary Medicine

NA

NA

$500 maximum limit per period of coverage

$500 maximum limit per period of coverage

Traumatic Dental Injury Treatment at a hospital facility

$1,000 per period of coverage

$1,000 per period of coverage

Up to the lifetime maximum limit

Up to the lifetime maximum limit

Treatment Due to Unexpected Pain to Sound, Natural Teeth

NA

NA

$100 per period of coverage

100%

Non-Emergency Treatment at a Dental Provider due to an Accident

NA

NA

$500 per period of coverage

See Non-Emergency Dental benefit

Non-emergency Dental

Optional Rider

Optional Rider

Optional Rider

$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services

Hospital Indemnity (Outside the U.S. only)

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

Supplemental Accident

NA

NA

$300 of Eligible Medical Expenses following an accident

$500 of Eligible Medical Expenses following an accident

Pre-Existing Conditions Limitation

Excluded

$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted.

$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted.

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Recent Blog Articles

2018 Expat Health Insurance Brief: Panama

Jan 31, 2018, 12:01 PM
by
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Panama draws expats and retirees from many parts of the globe due to its tropical terrain and international business ties from the Panama Canal.

While the Central American nation has always been known for its travel industry, many do not know that Panama offers some of the best health care services in the region. Specifically, in Panama City, there are four major hospitals all renowned for their service and care. This access to quality health care is yet another reason why expats flock to Panama.

However, before you go ashore, you’ll want to make sure your health insurance is in order.

What Expats Need to Know About Health Insurance in Panama

Expats are not required to have health insurance in Panama, which means you can either pay out of pocket for all services or invest in a private health insurance plan before they leave for Panama. While Panama has been working for the past few years to implement a universal health care system for citizens and permanent residents, the coverage is very basic (if you are even eligible to enroll), so private insurance may be your best option.

Local insurance plans can provide short-term cost savings, but they may come with lower maximum limits and typically only offer coverage inside of Panama. For the true global traveler, or someone looking for additional worldwide coverage when traveling away from home, including emergency evacuation coverage or a higher maximum limit, international health insurance is the best option. Depending on the provider network, an international health insurance plan may also give you access to some of the top facilities in Panama.

4 Health Care Considerations for Expats Moving to Panama

Health care expenses in Panama are significantly lower than they are in the U.S. Because of this, many expats believe they can get by without an insurance plan and pay out-of-pocket for their health care. This may be true for the short-term, but major procedures could be more than you can afford.

While the majority of Panama’s hospitals and clinics are located in densely populated cities, the country itself is quite small, so you’re likely only a couple of hours from qualified care.

Not only is Panama known for its quality health care, but many doctors in private institutions are bilingual (speaking Spanish and English), making it easier for expats to navigate the communication barrier.

Public hospitals and clinics can be very crowded due to shortages in hospital personnel. Unless you have a plan that allows you to visit private health care facilities, expect long wait times (even if you have an appointment).

These materials are for informational purposes only and do not contain legal advice. The laws and regulations regarding healthcare and the need or requirement to have health insurance in foreign countries are diverse and their application to your situation depends upon many facts. You should contact your attorney to obtain legal advice on any particular issue.

Frequently Asked Questions

Disclaimer

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.